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Flood insurance cost · LA

Flood insurance cost in Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 350,949 home policies in force on August 31, 2026.

LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,119a year

Half of insured homes paid between $861 and $1,330. That is 3% more than the national median ($1,082). The most common flood zone for insured homes here is zone X (49%).

$0$861 · $1,119 · $1,330$1,662
+9.9% vs Aug 31, 2025 (median $1,018)
350,949home policies in force
$1,224average cost (mean)
51%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Louisiana, county by county.

Cost by flood zone in Louisiana

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,990$1,312–$3,378$2,5881,870 (1%)+11.4%
Zone AE
High risk		$1,257$909–$1,737$1,434149,306 (43%)+10.3%
Zone A
High risk		$991$664–$1,372$1,11519,135 (5%)+6.3%
Zone AO
High risk, shallow		$660$540–$866$783776 (0%)+3.4%
Zone AH
High risk, shallow		$874$655–$1,192$1,0682,110 (1%)+8.7%
Zone A99 / AR
High risk, levee areas		$1,113$1,016–$1,260$1,1395,766 (2%)+11.5%
Zone X
Moderate to low risk		$1,084$848–$1,260$1,046171,982 (49%)+15.7%

Not shown (fewer than 10 home policies): D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Louisiana, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home318,331$1,123$1,233
2–4 unit building20,388$1,232$1,296
Manufactured (mobile) home8,185$902$1,035
Condo or apartment unit4,045$526$561
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		7,057$1,536$2,011
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		26,885$2,008$2,771
384,891NFIP policies in force, any building
397,256insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Louisiana

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force373,144350,949−5.9%
Median annual cost$1,018$1,119+9.9%
Average annual cost$1,121$1,224+9.2%
All policies in force (any building)408,320384,891−5.7%

Flood claims history

Since 1978, NFIP policyholders in Louisiana have filed 485,743 flood claims. 388,590 received a payment, for a total of $21.0 billion (an average of $54,089 per paid claim). The year with the most claims was 2005 (189,275 claims). Amounts are in dollars of the time, not adjusted for inflation.

050k100k150k200k1978: 9,012 claims, 7,938 paid, $48,844,402 in total1979: 4,329 claims, 3,772 paid, $17,385,233 in total1980: 18,471 claims, 16,164 paid, $106,274,515 in total19801981: 1,534 claims, 1,204 paid, $4,199,488 in total1982: 6,554 claims, 5,521 paid, $35,038,294 in total1983: 18,418 claims, 15,074 paid, $122,956,295 in total1984: 1,572 claims, 1,175 paid, $8,971,048 in total1985: 7,627 claims, 6,569 paid, $91,861,042 in total1986: 400 claims, 254 paid, $1,850,810 in total1987: 868 claims, 685 paid, $5,782,211 in total1988: 4,406 claims, 3,465 paid, $19,421,702 in total1989: 8,233 claims, 6,909 paid, $74,511,931 in total1990: 4,214 claims, 3,606 paid, $27,568,960 in total19901991: 8,616 claims, 7,271 paid, $75,057,633 in total1992: 3,897 claims, 3,052 paid, $33,703,914 in total1993: 2,585 claims, 2,217 paid, $25,699,941 in total1994: 1,559 claims, 1,265 paid, $8,846,457 in total1995: 38,330 claims, 33,457 paid, $606,282,187 in total19951996: 958 claims, 705 paid, $6,023,183 in total1997: 2,385 claims, 1,972 paid, $22,638,142 in total1998: 9,770 claims, 7,800 paid, $78,190,135 in total1999: 1,392 claims, 1,080 paid, $14,723,365 in total2000: 524 claims, 271 paid, $2,118,106 in total20002001: 8,757 claims, 6,725 paid, $103,378,940 in total2002: 12,987 claims, 9,232 paid, $133,217,826 in total2003: 1,802 claims, 1,214 paid, $11,888,838 in total2004: 2,637 claims, 2,110 paid, $32,225,670 in total2005: 189,275 claims, 148,035 paid, $13,823,639,578 in total20052006: 1,253 claims, 969 paid, $22,927,826 in total2007: 596 claims, 393 paid, $5,664,655 in total2008: 16,972 claims, 12,214 paid, $460,038,841 in total2009: 2,661 claims, 2,163 paid, $38,780,052 in total2010: 386 claims, 221 paid, $3,267,947 in total20102011: 2,861 claims, 2,128 paid, $45,607,050 in total2012: 14,860 claims, 10,782 paid, $539,688,996 in total2013: 1,218 claims, 822 paid, $19,769,947 in total2014: 794 claims, 534 paid, $16,142,167 in total2015: 868 claims, 547 paid, $14,927,391 in total2016: 36,026 claims, 32,373 paid, $2,794,684,192 in total20162017: 2,880 claims, 2,264 paid, $83,368,855 in total2018: 649 claims, 446 paid, $14,178,598 in total2019: 3,120 claims, 2,479 paid, $102,117,470 in total2020: 5,042 claims, 3,677 paid, $172,973,677 in total20202021: 19,526 claims, 14,068 paid, $953,927,582 in total2022: 326 claims, 138 paid, $3,546,173 in total2023: 259 claims, 124 paid, $4,855,445 in total2024: 2,859 claims, 2,321 paid, $113,049,799 in total2025: 606 claims, 483 paid, $34,549,158 in total2026: 869 claims, 702 paid, $32,269,479 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026869702$32,269,479$45,968
2025606483$34,549,158$71,530
20242,8592,321$113,049,799$48,707
2023259124$4,855,445$39,157
2022326138$3,546,173$25,697
202119,52614,068$953,927,582$67,808
20205,0423,677$172,973,677$47,042
20193,1202,479$102,117,470$41,193
2018649446$14,178,598$31,791
20172,8802,264$83,368,855$36,824
201636,02632,373$2,794,684,192$86,328
2015868547$14,927,391$27,290
2014794534$16,142,167$30,229
20131,218822$19,769,947$24,051
201214,86010,782$539,688,996$50,055
20112,8612,128$45,607,050$21,432
2010386221$3,267,947$14,787
20092,6612,163$38,780,052$17,929
200816,97212,214$460,038,841$37,665
2007596393$5,664,655$14,414
20061,253969$22,927,826$23,661
2005189,275148,035$13,823,639,578$93,381
20042,6372,110$32,225,670$15,273
20031,8021,214$11,888,838$9,793
200212,9879,232$133,217,826$14,430
20018,7576,725$103,378,940$15,372
2000524271$2,118,106$7,816
19991,3921,080$14,723,365$13,633
19989,7707,800$78,190,135$10,024
19972,3851,972$22,638,142$11,480
1996958705$6,023,183$8,544
199538,33033,457$606,282,187$18,121
19941,5591,265$8,846,457$6,993
19932,5852,217$25,699,941$11,592
19923,8973,052$33,703,914$11,043
19918,6167,271$75,057,633$10,323
19904,2143,606$27,568,960$7,645
19898,2336,909$74,511,931$10,785
19884,4063,465$19,421,702$5,605
1987868685$5,782,211$8,441
1986400254$1,850,810$7,287
19857,6276,569$91,861,042$13,984
19841,5721,175$8,971,048$7,635
198318,41815,074$122,956,295$8,157
19826,5545,521$35,038,294$6,346
19811,5341,204$4,199,488$3,488
198018,47116,164$106,274,515$6,575
19794,3293,772$17,385,233$4,609
19789,0127,938$48,844,402$6,153

From 2016 to 2026: 72,162 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Louisiana

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Claiborne Parish80$1,239
De Soto Parish63$671
Jackson Parish29$978
LaSalle Parish66$804
Lincoln Parish93$1,026
Red River Parish30$504
Sabine Parish95$1,241
St. Helena Parish70$1,088
West Carroll Parish85$503
West Feliciana Parish88$1,086
Winn Parish38$896

ZIP codes with the most insured homes